Magazine - JAN 2025

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Growing up in Birmingham, there aren’t many neighborhoods I don’t know. I know the Magic City and all of the surrounding areas well.

Birmingham has seen so much growth, change, and opportunity over the last few decades. It has turned out to be a fabulous place to live, work, and raise my family.

In 2020 I married Steve Hicks, a Hueytown native. My son, Cameron, is 17. He attends Briarwood Christian School and is a senior. I also have a beautiful stepdaughter, Isabella. We currently live in Shelby County with our pups Aspen & Stella. When I am not helping clients, my passions are cycling, hiking, travel, or anything outdoors. Montana is where I try to get away at least once each year. It feels like a second home to me and has a special place in my heart.

I have been an active full-time real estate agent for 20 years in the area and I don't see myself ever doing anything else. Real estate is so much more than houses (no two situations are ever the same). It allows me to accompany people through different stages of their lives. My aim is to be a valuable guide on that journey.

Real estate is my passion. The best part, however, are the many relationships I build and the friendships I make along the way. It is an investment in people, and I find that extremely rewarding.

How can I help you with your real estate needs? If you are looking to buy, sell, invest, or just chat, call me today!

jobs into joy, and change

What does the housing market look like for 2025?

Interest Rates and Mortgage Rates

Current Trend: As of late 2023, the Federal Reserve has been increasing interest rates to combat inflation. This has led to higher mortgage rates, which has slowed down homebuyer demand.

2025 Outlook: Mortgage rates may stabilize or decrease somewhat by 2025, depending on the Fed's response to inflation and economic growth. If inflation is under control, interest rates could lower, making homeownership more affordable again, which might lead to increased demand. However, if inflation remains high or the economy faces a recession, rates could stay elevated or even rise further.

Housing Supply and Inventory

Current Trend: Housing inventory has been constrained in many markets, partly due to high building costs, labor shortages, and sellers hesitating to list their homes due to high mortgage rates.

2025 Outlook: The housing supply issue could improve somewhat by 2025, but it might not fully resolve. Builders are likely to continue facing challenges, and existing homeowners may still be reluctant to sell unless their equity positions significantly improve. That being said, new construction (especially in the affordable housing segment) might start to catch up with demand if labor and supply chain issues ease.

Home Prices

Current Trend: Home prices have remained relatively high due to limited inventory, but price growth has slowed in many markets because of higher mortgage rates.

2025 Outlook: Home prices may continue to moderate or even decline slightly in some regions, especially if interest rates remain elevated for an extended period. In markets where there is a greater supply of new homes or housing inventory is catching up with demand, home prices could stabilize. However, in high-demand urban centers or tech hubs, prices may remain relatively strong.

Demographic Shifts and Buying Power

Current Trend: The millennial generation, now in their late 20s and early 30s, is starting to enter the housing market more actively. Gen Z may start buying homes by 2025, as more young people delay homeownership due to financial barriers, student loan debt, and high home prices.

2025 Outlook: The millennial cohort will likely be a major driver of demand in 2025, especially for single-family homes. Millennials will also be looking for homes that accommodate remote work setups and a desire for suburban or rural living. This demand might push up prices in certain areas, particularly in less densely populated regions or cities that are growing in popularity due to remote work flexibility.

Remote Work and Suburban Migration

Current Trend: The rise of remote work during the pandemic caused many people to move from crowded urban areas to more spacious suburban or even rural areas, seeking more affordable housing options and a better quality of life.

2025 Outlook: This trend may continue into 2025, but with some modifications. As hybrid work models become more common, there could still be a push toward suburban and smaller city living, but urban markets may also see a rebound if more people return to offices or if remote work flexibility decreases. Cities with strong job markets, good schools, and proximity to nature may see higher demand, even if prices are higher than in less dense areas.

Sustainability and Green Homes

Current Trend: There's an increasing interest in sustainability and energy-efficient homes, with many buyers prioritizing energy-saving features, solar panels, or smart home technology.

2025 Outlook: By 2025, eco-friendly homes may become even more desirable, especially with the growing focus on climate change and sustainable living. Builders will likely be incorporating more sustainable building materials, energy-efficient appliances, and green certifications, which could become standard in new homes. As a result, homes that are energy-efficient and environmentally friendly could see increased demand and higher resale values.

Urban Revival and Tech Hubs

Current Trend: Some urban areas have seen a slow recovery post-pandemic, while others have experienced growth, especially tech hubs like Austin, Nashville, and Raleigh.

2025 Outlook: Urban markets may continue to experience a resurgence in areas with strong job growth, particularly in the technology, healthcare, and green energy sectors. These cities may attract a diverse range of buyers, including young professionals and those seeking more vibrant, walkable neighborhoods with access to amenities, cultural activities, and public transit.

Investment in Infrastructure

Current Trend: Government spending on infrastructure projects, including roads, public transportation, and affordable housing, is a significant factor influencing real estate markets. 2025 Outlook: As cities invest in modernizing infrastructure, certain regions may see increased homebuyer interest. Neighborhoods with improved public transit, walkability, and access to key amenities (e.g., healthcare, education, and entertainment) could become more desirable and experience increased price appreciation.

Affordability Challenges

Current Trend: Housing affordability remains a key concern, particularly for first-time buyers, as home prices and rent continue to rise faster than wages in many areas.

2025 Outlook: Affordability will likely still be a challenge in many markets by 2025 However

Why you need to include this affordable maintenance job on your to-do list.

Pressure washing your home will remove years of dirt, grime, and pollen from your siding, walkways, and driveway, giving your home a fresh and clean look. A clean exterior helps highlight the home’s condition, which can lead to higher offers and quicker sales.

BENEFITS INCLUDE:

Boost curb appeal. Increase home value. Let in more light. Prevent expensive repairs. Make a great first-impression on potential buyers.

Something as simple as pressure washing your house before listing it with an agent, can help you get a higher price when you sell it. Your professional photos will look amazing!

COME LIST WITH ME

Let’s get your home market-ready! List with Michelle Lagle Hicks before March 2025 and get *up to $250 off your pressure washing package with Paul’s Pressure Washing on me.

*Discount based on square footage)

e several resources for you that will e in and ease the burden of moving, downsizing, and transitioning.

me with any questions...205.369.8815

a Birmingham

The Roof at The Elyton Hotel

A rooftop bar that offers a stunning, kaleidoscopic view of the city’s skyline, perfect for enjoying a glass of wine as the city lights beckon

The Birmingham Museum of Art

For couples who enjoy a touch of culture, this museum invites you to delve into its fascinating exhibits The museum design is an art form in and of itself

Birmingham's Historic District

Take a stroll through the city’s historic district, where the past and present intertwine in a rich tapestry of architecture and culture.

Casablanca at the Alabama Theatre

Plan a classic date night this Valentine’s Day by watching an iconic tale unfold on the silver screen at the Alabama Theatre

Red Mountain Park

If you and your date enjoy the outdoors, consider a trip to Red Mountain Park for hiking or exploring.

Oak Mountain State Park

Hike the trails, rent a paddleboard or a kayak, or enjoy a peaceful day by the lake. It’s an excellent spot for a picnic or even a cozy fireside date if the weather is chilly.

Couples

Birmingham Botanical Gardens

A tranquil haven where nature’s beauty transcends the ordinary. Walk hand-inhand through this mosaic of flowers and plant life, and enjoy a peaceful picnic.

Avondale Brewing Company

For a more relaxed, yet equally charming atmosphere, Avondale Brewing Company offers a cozy, lively space to enjoy local brews and the company of one another.

Vulcan Park and Museum

For some romance with a side of history, head to Vulcan Park for stunning views of Birmingham.

Barrel & Bond

A unique dining experience, Barrel & Bond offers a great selection of bourbon paired with Southern-inspired cuisine.

Bamboo on 2nd

A romantic and exotic dinner experience, Bamboo on 2nd offers a delicious menu of Thai and Asian fusion dishes in a cozy, intimate setting.

Big Spoon Creamery

There’s no sweeter date night than a stop by Big Spoon Creamery, a small-batch artisan ice cream company that has endeared itself in the hearts and bellies of Birmingham residents.

Cooking Class

Get hands-on while indulging in culinary delights with the Romantic Valentine’s Couples Class at Habitat Cooking School at the Grand Bohemian Hotel.

SIMPLE WINTER DECOR IDEAS

Layer with Warm Textiles

Why: Soft, cozy textiles make a room feel more inviting and help to keep it warm. What to do: Add thick throw blankets and soft throw pillows to your couches and chairs Consider using faux fur or knitted textures for extra warmth

Focus on Rich, Warm Colors

Why: Warm, deep colors evoke comfort and warmth, perfect for the chilly winter months. What to do: Introduce rich colors like burgundy, mustard yellow, deep green, burnt orange, and gold into your decor.

Bring in a Touch of

Glamour

Why: Winter is a great time to add a bit of sparkle and glamour to your home for the holiday season and beyond. What to do: Integrate metallic accents such as silver, gold, or chrome into your decor.

Incorporate Natural Elements

Why: Nature-inspired decor brings a sense of calm and seasonal beauty indoors. What to do: Use pinecones, branches, twigs, or sprigs of evergreen (like pine, cedar, or spruce) in centerpieces, wreaths, or as part of a mantel display

Decorate with Seasonal Accents

Why: Small seasonal touches can transform your space without overwhelming it. What to do: Add festive accents like a winter wreath on your front door, or use candles in holders shaped like snowflakes, stars, or reindeer.

Create a Winter-Themed Entryway

Why: Your entryway is the first impression of your home during the winter months and can set the tone for the season. What to do: Add a decorative winter wreath to the door and a cozy rug inside to welcome guests.

Create a Cozy Lighting Atmosphere

Why: Winter days are shorter, and soft, warm lighting helps to create a cozy, inviting atmosphere when the sun goes down early What to do: Use string lights or fairy lights in creative ways around your windows, mantels, or bookshelves

Winter-Themed Art and Prints

Why: Changing your art to reflect the season can quickly make your home feel more in tune with winter. What to do: Swap out lighter, summery prints for winter-themed ones think snowy landscapes, winter trees, or abstract art in wintery hues.

Use Seasonal Scents

Why: Scent is a powerful way to enhance the ambiance and evoke memories or feelings tied to the season. What to do: In addition to candles, use potpourri, diffusers, or simmering spices like cinnamon sticks, cloves, and citrus on the stove to fill your home with warm, welcoming fragrances

REAL ESTATE WHAT’S NEW...

Welcome to this stunning Tudor-style home in the desirable Chelsea Park Estate section, built by Embassy Homes and located near the front of the neighborhood for convenient access Set on a quiet circle around the community park, this home offers an ideal setting with a large open green space, perfect for fun days at the park, along with walking paths and lively community events/food trucks. The community also has two private lakes, two pools, and an elementary school for added convenience and recreation A beautiful brick portico welcomes you into this spacious home, which has over 3,000 sq ft of living space, including 4 bedrooms and 3.5 baths. The HUGE loft features a second fireplace and a great flex space The 3-car garage and additional parking pad provides plenty of parking With a freshly painted exterior in 2023, this home combines timeless Tudor charm with modern amenities. Courtesy of Brenda Blanton

Windsor Ct Lot 048 | Bham, AL 35242

New Construction! The Foster 2 Bedroom - Hoover's Premier Townhome Community conveniently located off Highway 280 and 119 has everything you're looking for!

Families are falling in love with the Foster with its included 10ft ceilings on the main level, high-end designer touches from brick accent walls to designerinspired modern beams in your living room to your sleek new kitchen designs and finishes Open-concept living spaces on the main level Spacious secondary bedroom with a connected full bath The spacious primary suite and bath are the perfect place to escape after a long day Contact us today about all of the amazing home plans and Designer Collections Windsor Court has to offer

Start the New Year off right with a beautiful new home at 101 Royal Gala Drive in soughtafter Helena, AL! With no HOA and thoughtful updates, this 4-bedroom, 2 5-bath beauty is move-in ready. Recent updates include a new roof, HVAC, hot water heater, gleaming hardwood floors installed in 2023, and new stainless kitchen appliances. Enjoy meals in the formal dining room or relax on the new screened-in deck, then gather around the fire pit in your large, fenced backyard with no neighbors behind offering privacy and space on a beautifully landscaped lot. The main-level primary suite boasts trey ceilings, dual closets, split vanities, a jetted tub, and a private water closet and shower. Upstairs, find 3 additional bedrooms, a full bath, and a spacious walk-in attic The eat-in kitchen features a bay window, breakfast bar, pantry with convenient access to the laundry room just steps away Plus, the unfinished basement is stubbed for a bathroom and ready for your personal touch. Don't wait! Listing courtesy of Stacey Adcock

NEW LISTINGS CONTINUED...

Nearly New in Montevallo

Top 10 reasons to choose this home:

1) Built in 2020

2) Expanded bonus driveway that's not allowed anymore.

3) Extra square footage and spacious

4) Easy main level parking

5) BRAND NEW ROOF.

6) 4 bedrooms

7) Fresh community

8) Granite counters.

9) Stainless appliances

10) Open floor plan.

Sunrise Circle | Wilsonville, AL 35186

Beautiful home right by Lay Lake in Wilsonville. Views from the BRAND NEW back deck are absolutely beautiful with the most gorgeous sunsets each evening This home features 3BR, 2BA Open Floor plan with hardwood floors throughout the main areas and carpet in the bedrooms.

Living room, dining room, and Kitchen are all quite spacious Breakfast nook, or office space if you would like, is right off the kitchen Side access straight into the laundry room for you to leave your shoes or get groceries quickly into the kitchen Split bedroom floor plan with HUGE primary bedroom on one side with deck access. Primary bedroom has his and her closets and features a large bathroom with jetted tub, tiled shower, and water closet The other two bedrooms are on the other side of the living room so there is privacy for each. After a long day out, come home and relax on the awesome back deck and watch the sun go down ROOF & HVAC aprox 1 year old

This cute one-level cottage offers the perfect blend of comfort and convenience, located in a friendly neighborhood just moments away from various shopping and dining options Enjoy an open-concept living area with easy access to the kitchen and all new paint The spacious kitchen comes equipped with appliances, ample cabinetry, countertop space, and a breakfast nook The master bedroom is on the back side of the home for privacy The other two bedrooms have brand new carpet and share a bath. Step outside the back door to a private backyard with 2 lovely patios, perfect for outdoor entertaining or simply enjoying the fresh air. Neighborhood perks include a sidewalk, clubhouse, and a pool

NEW LISTINGS

SOLD

330 Kilkerran Lane Pelham, AL 35124

Beautiful home on a GOLF COURSE LOT in Ballantrae in Pelham! All the upgrades you have been seeking- hardwood floors, granite countertops, detailed moldings, outdoor fireplace on the screened patio! The great room has a wall of windows that slide open to access the screened patio and outdoor fireplace, fenced yard and open patio! Foyer leads to the great room with cathedral ceiling, opens to the kitchen with oversized island with breakfast bar and eating area overlooking the golf course The kitchen boasts DOUBLE OVENS, gas stove, tile backsplash, under cabinet lighting, and exposed beams Also on the main level you'll find the master bedroom with luxurious master bath with double shower, garden tub and separate vanities. Guest bedroom with full bathroom also on main level Large Laundry room on the main floor as well Upstairs you'll find a very large loft space and additional good sized guest bedrooms with large closets. STORM SHELTER in garage Listing courtesy of Shirley Hall

Welcome to South Oak where lifestyle has never been so well addressed! Perfectly situated south of the city along Birmingham’s picturesque Highway 41, South Oak is a 500 acre secluded respite from the commotion and stress of city life This expansive, inspiring landscape of trees, lakes, meadows and mountains will be a tranquil homestead where residents reconnect with nature and regain a sense of place This gated community includes 200 acres of a common mountain ridge offering hiking and biking trails, a 7.4 acre stocked, common-use lake offering swimming, fishing, kayaking, grilling and beach area! The boathouse conference room is a convenient, secluded location to hold meetings, play games or host other small group activities. Lots from 3 to 10 acres are available. Conveniently located near Shoal Creek Golf Course, Piggly Wiggly, Mt. Laurel and Lee Branch

112 Old Brook Place Birmingham, AL 35242

Now is your chance to own an UPDATED 3BR, 2BA home in this highly desirable neighborhood! Old Brook is hidden, convenient, quiet and a sidewalk neighborhood right off of HWY 119 less than a half of a mile off of Hwy 280 Fenced in back yard with lots of privacy NEW PAINT throughout; BRAND NEW LVP floors throughout the entire home with the exception of the bathrooms which have NEW TILE & LIGHTING throughout Living room features a fireplace and plenty of natural light NEWLY renovated kitchen with NEW CABINETS, NEW QUARTZ COUNTER TOPS, NEW STAINLESS STEEL APPLIANCES Primary Bathroom RENOVATED with HUGE tile shower, updated vanities, and lighting, plus a wet area with a bench for drying off Heated and Cooled Sunroom to enjoy this beautiful Alabama weather. Back yard is fenced for privacy and features a patio for grilling or just hanging out Listing courtesy of Shirley Hall

NEW LISTINGS...

265 Azalea Drive | Sylacauga, AL 35150

Discover your dream home nestled on 2 4 serene acres on its own private section in Lake Joy. This lovely 4-bedroom, 2.5 bathrooms, two-story home offers breathtaking views of water and direct access to the lake, perfect for outdoor enthusiasts and nature lovers. The spacious layout includes a semi open concept with a sunroom off of the kitchen and a cozy dining room that opens to the deck ideal for gatherings. The main-level also features an office/formal dining room The primary suite provides a relaxing retreat, while the additional bedrooms offer flexibility for family or guests. Step outside to enjoy the tranquility of your own slice of paradise, complete with outdoor space for entertaining or unwinding on the deck looking out at the water. With its combination of natural beauty and convenient water access, this property is truly a rare find! Listing courtesy of Angela Wilson

412 Grey Oaks Drive | Pelham, AL 35124

Dreaming of TRUE LIVING? I’m dreaming of a home in Pelham, where views and privacy collide With four good bedrooms, and three full baths, and space to spread your wings inside. I’m dreaming of an open floor plan, Where friends and family delight Two dens for laughter, an office so bright, A daylight basement feels just right May your home be warm and serene, with a view that’s a dream come true. This Pelham retreat is waiting for you! I’m dreaming of a home in Pelham, With a three-car garage so wide, Coffered ceilings that pop, a cozy fireplace, and beauty waiting just inside. Let's package this one up for you this holiday! *Community pool is a bonus, so you won't have to wait on your Christmas bonus like Clark.

Listing courtesy of Genny Williams

What is title Insurance?

Owner’s title insurance protects your right to your home by searching, clearing, and insuring the title to your home before you buy it, Your owner’s title policy offers protection for your property rights for as long as you and your heirs own your home.

If ownership of your property ever comes into question, an owner’s title insurance policy protects you from expensive legal problems that could result in the potential loss of your home.

How does title insurance work?

As property changes hands, mistakes and irregularities – often made long before you expressed interest in the property – can place your ownership in dispute. Refer to our list of reasons why you need title insurance for the 20 most common

Title Insurance is the ultimate property protection!

If ownership of your property is ever challenged, title insurance will defend your possession of the property–and assume the legal costs of that defense–for as long as you and your heirs own the property. Plus, if any challenge to your property’s title proves to be legitimate, title insurance will pay for your losses.

Forgery 2. Fraud in the execution of documents 3. Undue influence on a grantor of a deed

False impersonation by someone purporting to be the owner of the property

Errors in surveys

Undisclosed or missing heirs

Wills not properly probated

Misinterpretation of wills and trusts

Mental incompetence of a grantor of a deed 10.Transfer of title by a minor

Heirs born after the execution of a will

Incorrect legal descriptions

Non-delivery of deeds

Unsatisfied claims not shown on the record

Deeds executed under expired or false powers of attorney

Confusion due to similar or identical names

Dower or courtesy rights of spouses of former owners

Incorrect indexing of the land records

Clerical errors in recording legal documents

Delivery of deeds after the death of the Grantor

THE DATES:

1/10-11 • Taylor Hicks at the Shelby County Arts Council Song Theater

1/18

• Airport Marine Team Trail on Lay Lake

1/23-25•ShelbyCtyExtremeBullsBullRidingattheShelbyCountyExpoCenter

1/25•AirportMarineHighSchoolTournamentonLayLake

2/14 -15 • 4H Livestock Show at the Shelby County Expo Center

2/15

• Alabama Bass Federation tournament on Lay Lake

2/15

• Montevallo Falcon Frenzy MTB Race

2/22

• Oak Mountain 6/3 Hour MTB Race

4/12-13•MammothMarchatOakMountainStatePark

4/19

• Alabama Semi-Quincentennial Kickoff at The American Village

A mortgage preapproval is a first assessment by a lender indicating how much money you are likely to be approved for when applying for a mortgage. It involves a detailed evaluation of your financial background, credit history, income, and debts It should always be done before starting to look for a home.

IMPORTANCE OF PRE-APPROVAL

*Determines Budget: Helps you understand how much house you can afford.

*Strengthens Offers: Proves to sellers that you are a serious buyer with financing likely to be secured

*Speeds Up the Process: Streamlines the final loan approval process once you have an accepted offer. Closing sooner sometimes wins the deal

QUESTIONS?

Contact your local Union Home Mortgage loan officer, to answer any of your questions and help you get started on your path to home ownership.

/ Loan Officer

NMLS 267473

Phone: (205) 908-3587

Email: danieldteam@uhm.com

Current Mortgage Environment: The Fed’s large cut has Complex Effects

In today’s challenging mortgage environment, many are looking for clarity amid market fluctuations As a 20-year veteran loan officer, I’ve seen firsthand the impact of shifting economic policies, historical trends and particularly recent Federal Reserve rate cuts

The Fed’s decision to lower rates is typically aimed at stimulating economic activity by making borrowing cheaper. While the Fed doesn’t directly set mortgage rates, their actions influence them. This recent .5% cut, however, has had a somewhat muted effect on mortgage rates Why? Mortgage rates are tied to the bond market, which factors in long-term expectations of inflation and economic health Even though the Fed cut short-term rates, uncertainty about inflation and other economic concerns has caused bond yields and mortgage rates to remain relatively steady Anticipation of the Fed’s first cut in years has helped lower 30-year mortgage rates considerably since May of this year

Looking ahead, there is expectation that the Fed will continue to cut rates in the coming 12-18 months to stabilize the economy. These anticipated cuts should bring downward pressure on mortgage rates, but the extent will depend on how the broader economy performs. Lower rates will allow recent buyers to consider refinancing and should boost buyer demand and lead to a stronger than typical fall housing market This in turn may further tighten housing inventory and intensify competition among buyers

It’s important to note, there is a ‘cost to waiting’ for lower mortgage rates and that may not always be the best strategy when wanting to buy a home Buyers who delay their purchase in hopes of securing a lower rate could find themselves in a market where home prices have risen due to increased demand and limited supply In other words, while they may get a lower interest rate, they might end up paying more for the home itself. Additionally, with more buyers competing for fewer homes, they could be forced to offer above asking price to win the bid, negating any potential savings from a lower rate. Timing is critical, and buyers who act now may avoid the cost of waiting. The right time to buy is different for everyone.

At Union Home Mortgage, my team and I are committed to delivering World Class Service and working closely with our borrowers and realtor partners to create a seamless experience for everyone Together, we can help navigate this evolving market with confidence

Inspect and Clean Your Gutters

Seal Gaps and Insulate Drafty Areas

Cover outdoor faucets

Service Your Heating System

Protect Pipes from Freezing

Check and Test Your Smoke and Carbon Monoxide Detectors

"Maintaining

a home is like tending a garden; with care and attention, it blooms into a sanctuary of comfort and joy."

THE VALUE OF AGING IN PLACE

Healthcare Access: Birmingham is home to renowned healthcare facilities, including the University of Alabama at Birmingham (UAB) Hospital, providing comprehensive medical services and specialized geriatric care.

Senior Services: The city offers various programs through organizations like the Jefferson County Office of Senior Citizens Services, providing resources such as meal programs, transportation, and caregiver support.

Affordable Housing: Birmingham has affordable housing options for seniors, including assisted living facilities and independent living communities.

Community Engagement: Numerous community centers and programs cater to seniors, offering social activities, fitness classes, and educational workshops to keep them engaged and active.

Public Transportation: The Birmingham-Jefferson County Transit Authority (BJCTA) provides public transportation options that are seniorfriendly, making it easier for older adults to navigate the city.

Safety and Accessibility: Efforts to improve the city's infrastructure, such as safer sidewalks and pedestrian-friendly areas, enhance accessibility for seniors. These highlights make Birmingham an attractive place for seniors looking to age in place with a good quality of life.

Birmingham, AL 35242

Danberry at Inverness offers a rich, active retirement lifestyle combined with the most advanced and in-demand residential design. Residents enjoy stunning architecture, beautiful senior living apartment residences, and lovely grounds near Lake Heather. They are offered an impressive selection of fun and engaging activities focused on mental and physical wellness.

Whether it’s Independent Living, Assisted Living, or Memory Care, Danberry at Inverness is the perfect blend of beauty, hospitality, community, and care.

Birmingham, AL 35242

Assisted living and memory care in Birmingham, AL has never looked better. With the Double Oak Mountain and lush greenery surrounding our community, Proveer at Grande View is the scenic destination for seniors and families seeking personalized senior living in Birmingham.

In addition to our care services, we provide vibrant and modern living amenities and benefits such as spacious petfriendly floor plans, daily nutritious meals, and a full activities calendar. Let us help you or your loved one age in comfort with a scenery that is unmatched.

Helena, AL 35080

Maplewood Lane is an assisted living/ respite care facility that opened in 1995 and is licensed by the State of Alabama. Our highly trained, experienced, and caring staff truly enjoys caring for the elderly and adults with special needs.

Residents will be encouraged to live an active life through the many social activities we offer. We provide a home-like atmosphere with professional care, based on years of experience.

When it comes to aging in place, here are some key factors that will ensure the best quality of life...

Make necessary modifications to make the home safer and more accessible. This might include installing grab bars in bathrooms, widening doorways for wheelchair access, or adding ramps for entryways.

Connect with community support for local resources and services that can provide support, such as home healthcare agencies, meal delivery services, transportation assistance, and senior centers.

Continue to foster social engagement and stay connected with friends, family, and the community. Loneliness and isolation can have negative impacts on health and well-being, so participate in local social activities and clubs.

Get the technology and assistive devices to enhance your independence and safety at home This might include medical alert systems, smart home devices for monitoring and controlling home appliances, better lighting, or wearable health trackers.

Establish a plan for managing your healthcare needs as you age. This may involve selecting a primary care physician, discussing advance directives and end-of-life care preferences, and ensuring you have access to necessary medical services.

Have an emergency preparedness plan for responding to emergencies, including who to contact and what to do in various situations.

Develop a financial plan that accounts for the costs associated with aging in place, such as home modifications, healthcare expenses, and potential long-term care needs. This may involve consulting with a financial advisor or exploring options for government assistance programs.

Lastly, surround yourself with emotional support and encouragement throughout the process. Transitioning to aging in place can be challenging, and having a supportive network can make a significant difference in your overall well-being.

Key Factors:

Safety concerns: If you are having difficulty performing daily tasks safely, such as bathing, dressing, or managing medications, assisted living may be necessary.

Healthcare needs: If you require regular medical supervision or assistance with managing chronic conditions, assisted living facilities can provide the necessary support.

Social isolation: Loneliness and social isolation can have detrimental effects on seniors' mental and emotional well-being. Assisted living communities offer social activities and companionship.

Mobility limitations: If mobility issues make it challenging for you to move around your home or community independently, assisted living with accessible facilities and support can improve your quality of life.

Caregiver stress: If family caregivers are experiencing burnout or finding it increasingly difficult to meet your needs, transitioning to assisted living can alleviate some of the burden.

Memory decline: If you are experiencing cognitive decline or dementia, assisted living communities with memory care services can provide specialized support and supervision.

Household maintenance: Difficulty with household chores, such as cleaning, cooking, and maintaining the home, can indicate the need for assisted living where these tasks are taken care of.

Financial considerations:

Assessing the affordability of assisted living compared to the costs of maintaining a home and hiring necessary services is crucial for long-term financial planning.

home!

Getting a home ready to sell a home can seem so overwhelming - believe you me I know!! The best strategy is ONE THING AT A TIME. First step is call Michelle, then let me come look and assess and TOGETHER WE WILL MAKE A PLAN, based on budget, timeline, goals, etc... - Michelle

Curb Appeal & Exterior Preparation

Landscaping & Lawn Care -

Trim hedges and trees: Overgrown shrubs and trees can block light and make the home feel dark or cramped. Trim back bushes and trees to reveal the home's facade.

Lawn maintenance - Reseed bare patches of grass, mow the lawn regularly, and ensure it’s green and healthy. Adding a fresh layer of mulch to flower beds or garden areas adds a neat and polished look

Plant seasonal flowers - Spring flowers like tulips, daffodils, or pansies can add a pop of color and life to the yard. Use planters or window boxes for an easy upgrade.

Weed control - Get rid of weeds in the garden and along walkways or driveways

Clean and Paint Exterior

Power wash the exteriorClean dirt, grime, and mildew off siding, driveways, and walkways

Paint touch-ups - If the paint is chipped or faded, consider a fresh coat of paint on doors, shutters, or trim.

Update Outdoor Features

Fix or replace any broken fences, gates, or railings Make sure all outdoor features are safe and in working condition Fix/clean gutters - Clogged gutters can be a sign of neglect. Ensure that they are clean and free from debris.

Staging outdoor spaces - Set up outdoor furniture, clean patio spaces, or add a few decorative pieces like throw pillows or rugs to make outdoor spaces feel more inviting.

Entryway & Front Door

Polish or repaint the front door - A well-maintained door adds to the appeal. Consider a new, bold color that complements the rest of the exterior for added interest.

Lighting - Make sure the front porch light works. Consider replacing old fixtures with modern, stylish ones to give the entrance a fresh look

Doormat - A clean, welcoming doormat can make a big difference.

Interior Preparation

Once the exterior is in tip-top shape, turn your attention to the inside of the home. The goal is to create a space that feels bright, clean, and inviting.

Clean Thoroughly

Deep clean - Wash all windows (both inside and out), clean floors, carpets, and baseboards, and make sure all surfaces are sparkling.

Declutter - Buyers want to envision themselves in your home, so eliminate personal items, excess furniture, and clutter. Declutter closets, counters, and storage areas to make them appear larger

Paint & Touch-Up

Neutral colors - If your home has bold or dark colors, consider repainting with soft, neutral tones like light grays, whites, or beiges. These colors appeal to a wider range of buyers.

Touch up scuffs and marksFix any chips, nicks, or scuff marks on walls, trim, or cabinets

Flooring & Carpet

Clean or replace carpets - If the carpets are heavily worn or stained, replace them or hire a professional cleaning service. Refinish hardwood floors - If you have hardwood floors, consider refinishing them to restore their shine.

“You never get a second chance to make a first impression”

Michelle’s Proven List (Cont’d)

Improve Lighting

Maximize natural light - Open blinds and curtains to let in as much light as possible

Consider using sheer window treatments to allow natural light to flood the room.

Upgrade light fixtures - Swap out outdated or dim light fixtures for more modern or stylish options

Use lamps - Add lamps where light may be lacking to make spaces feel brighter and more welcoming.

Update Kitchen & Bathrooms

Minor upgrades - Consider swapping out dated hardware (cabinet knobs, faucets) for modern options.

Clean grout and tiles - In bathrooms and kitchens, scrub grout and tiles to give them a fresh, clean look.

Declutter counters - Clean off all countertop items except for a few attractive pieces like a bowl of fruit or a stylish vase Fresh towels and accessoriesIn the bathroom, replace worn towels with fresh, fluffy ones. Add a decorative shower curtain or bath mat for an updated look.

Remove Personal Items

Depersonalize your space Buyers should be able to imagine themselves living in the home. Pack away family photos, religious items, or any personal memorabilia that might distract buyers.

Stage the Home

Rearrange furniture - Make sure the layout of each room is functional and allows for easy flow Consider removing oversized furniture if it makes the space feel cramped.

Add touches of spring - Place fresh flowers, bright throw pillows, or light bedding to bring in a spring feel. Indoor plants may also help with indoor air quality.

Aromas: Ensure the home smells fresh Consider using subtle scents like citrus, lavender, or vanilla. Avoid overpowering air fresheners.

Add a nice clean welcome mat to your front entryway. Replace old hand towels in your bathrooms with fresh clean new ones

HVAC & Mechanical Systems

HVAC check - Have the heating and cooling systems serviced to ensure they are functioning properly. Replace filters as needed

Air out the home - Open windows, when possible, to let fresh spring air circulate through the home.

Plumbing and Electrical - Fix any minor plumbing issues (leaky faucets, running toilets) and ensure all electrical systems are working properly.

Final Touches & Showings

Schedule professional photosGreat listing photos are essential, so make sure a professional photographer takes high-quality pictures that showcase the home in its best light

Keep the home show-readyOn days when showings or open houses are scheduled, make sure the home is spotless, well-lit, and inviting.

FIRST TIME HOMEBUYERS & THE BENEFITS OF HOMEOWNERSHIP

Freedom allows you to make your home your own, in your style, and maintain your privacy.

Mortgage payments allow you to build equity, which adds up over time

Your fixed-rate mortgage is predictable and fixed, it will not change over the life of the loan

Tax benefits...deduct mortgage interest on your taxes!

“Homeownership isn't just about securing a place, it's about anchoring dreams”

THE BUYER ROADMAP

This is a brief summary of the timeline for purchasing your home. Remember, as your Real Estate Agent, I will be there to be sure you feel confident during each step of this process.

Interview

Find the right Real Estate Agent for you

Pre-Approval

Meet with a lender and get a pre-approval letter

Search

Begin your online home search

Earnest $

Deposit escrow and complete loan application within the time frame of the contract

Offer

After finding the right home, we will put in a strong offer and negotiate the terms of the contract

Inspections

Schedule inspections and negotiate any repair requests and issues from the inspection

Showings

We will set up showings and view the homes you are interested in

Financing

Order appraisal and obtain homeowners insurance

Last Steps

Receive clear to close from the lender and perform final walkthrough before closing

Closing

Hooray! Time to get your keys and celebrate buying your home

EXP BUYER CLIENT

YOUR Representation

SERVICES...

As a client of eXp, your interests will always be my top priority, upheld with the utmost integrity and fairness in all interactions. Together, we’ll review the buyer representation agreement and I’ll provide a comprehensive overview of my services, the advantages you’ll gain from my representation, and a transparent insight into my compensation structure.

Property Search Offer

I will listen carefully to your needs and wants and use my knowledge of the local market to select properties that fit your criteria and budget. You’ll get access to cutting-edge platforms such as, for example, eXp Exclusives (eXp’s proprietary listing network for on and off-market real property listings), that allow you to view and search for available properties according to your desired search criteria.

Transaction

I’ll monitor your transaction and keep you informed of all material updates from beginning to end. Throughout this process, I am committed to keeping you well-informed about all significant developments. Should any questions arise from relevant service providers in your transaction (such as your escrow officer, title officer, mortgage broker, etc ), I will work to ensure that those questions are promptly directed to the relevant parties.

Once you select a property, I’ll provide a Competitive Market Analysis and guide you through the process of crafting, presenting, and negotiating your offer, ensuring you stand out and secure the best terms possible.

Due Diligence

At your request, I can recommend qualified service providers who can provide you with a wide array of property-related inspection services. Following your receipt of any property-related inspection reports and you having an opportunity to consult with your respective qualified service providers, I will help you navigate all remedies available to you under your purchase contract, concerning any deficiencies identified in your property-related inspection reports

Your peace of mind and informed decisionmaking are my foremost priorities

Commitment to Fair Housing

My commitment to fair housing is unwavering. I pledge to strictly adhere to all applicable local, state, and federal fair housing laws, ensuring equitable treatment for all without exception.

Our Relationship

Although eXp’s duties will end upon completion of your transaction, our connection goes beyond the transaction. As a client of eXp, I’m committed to staying engaged with you at every stage - before, during, and after the sale As needed, I’ll facilitate introductions to local resources and service providers.

Communication is tailored to your preferences, ensuring you’re comfortable with the frequency and method of contact. My aim is to not just gain your trust and satisfaction, but to cultivate a lasting client relationship, where you become an eXp “client for life.” I also extend the same highquality service to those you recommend from your circle of friends, family, and colleagues.

WITH THIS OLD HOUSE

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STAGING

Jari Bailey with Open Spaces is a highly experienced stager, helping home sellers create the right atmosphere, flow, and design to attract new buyers while making the house stand out from the competition. Most buyers have a difficult time seeing their furnishings in an empty space, therefore staging always helps create their vision in your space. Selling your space is the ultimate goal!

AGENT SERVICES

... what happens behind the scenes when you sell

1. Prepare Listing Presentation for Sellers

2. Research Sellers Property Tax Info

3. Research Comparable Sold Properties for Sellers 4. Determine Average Days on Market

on Repairs and/or Upgrades

Provide Home Seller To-Do

30. Explain appraisal process & pitfalls 31. Verify Homeowners Association Fees 32. Obtain a Copy of HOA Bylaws 33. Gather Transferable Warranties 34 Determine Need for LeadBased Paint Disclosure 35. Verify Security System Ownership 36. Discuss Video Recording Devices & Showings 37. Determine Property Inclusions & Exclusions 38 Agree on Repairs to Made Before Listing

Schedule Staging Consultation 40. Schedule House Cleaners

Install Electronic Lockbox & Yard Sign

Meet Photographer at Property

Prepare Home For Photographer

Schedule Drone & 3D Tour Shoot 46 Get Seller’s Approval of All Marketing Materials

Input Property Listing Into The MLS

Create Virtual Tour Page

Verify Listing Data on 3rd Party Websites

Have Listing Proofread

Create Property Flyer

Have Extra Keys Made for Lockbox

Set-Up Showing Services

Help Owners Coordinate Showings 55. Gather Feedback After Each Showing

61. Obtain Pre-Approval Letter from Buyer’s Agent

62. Examine & Verify Buyer’s Qualifications

63. Examine & Verify Buyer’s Lender

64. Negotiate All Offers

65. Once Under Contract, Send to Title Company

66 Check Buyer’s Agent Has Received Copies

67. Change Property Status in MLS

68. Deliver Copies of Contact/Addendum to Seller

69. Keep Track of Copies for Office File

70 Coordinate Inspections with Sellers

71. Explain Buyer’s Inspection Objections to Sellers

72. Determine Seller’s Inspection Resolution

73. Get All Repair Agreements in Writing

74. Refer Trustworthy Contractors to Sellers

75. Meet Appraiser at the Property

76. Negotiate Any Unsatisfactory Appraisals

77. Confirm Clear-to-Close

78 Coordinate Closing Times & Location

79. Verify Title Company Has All Docs

80. Remind Sellers to Transfer Utilities

81. Make Sure All Parties Are Notified of Closing Time

82 Resolve Any Title Issues Before Closing

83. Receive and Carefully Review Closing Docs

84. Review Closing Figures With Seller

85. Confirm Repairs Have Been Made

86. Resolve Any Last Minute Issues

87. Attend Seller’s Closing

88. Pick Up Sign & Lock Box

89. Change Status in MLS to “Sold” v- OR BE FINED by the MLS!!!

90. Close Out Seller’s File With Brokerage

AGENT SERVICES

... what happens behind the scenes when you buy

31. Listen & Learn From Buyers At Each Showing

32. Keep Records of All Showings

33. Update Listing Agents with Buyer’s Feedback 34 Discuss Homeowner’s Associations

35. Estimate Expected Utility Usage Costs

36 Confirm Water Source and Status

37. Discuss Transferable Warranties

38 Explain Property Appraisal Process

39. Discuss Multiple Offer Situations

40 Create Practice Offer To Help Buyers Prepare

41. Provide Updated Housing Market Data to Buyers

42 Inform Buyers of Their Showing Activity Weekly

43. Update Buyers On Any Price Drops

44 Discuss MLS Data With Buyers At Showings

45. Find the Right Home for Buyers

46. Determine Property Inclusions & Exclusions

47. Prepare Sales Contract When Buyers are Ready

48. Educate Buyers On Sales Contract Options

49. Determine Need for LeadBased Paint Disclosure

50. Explain Home Warranty Options

51. Update Buyer’s Pre-Approval Letter

52. Discuss Loan Objection Deadlines

53. Choose a Closing Date

54. Verify Listing Data Is Correct

55. Review Comps With Buyers To Determine Value

56. Prepare & Submit Buyer’s Offer to Listing Agent

57. Negotiate Buyer's Offer With Listing Agent

58. Execute A Sales Contract & Disclosures

59. Once Under Contract, Send to Title Company

60. Coordinate Earnest Money Drop Off

61. Deliver Copies to Mortgage Lender

62. Obtain Copy of Seller’s Disclosure for Buyers

63. Deliver Copies of Contract/Addendum to Buyers

64. Obtain A Copy of HOA Bylaws

65 Keep Track of Copies for Office File

66. Coordinate Inspections with Buyers

67 Meet Inspector At The Property

68. Review Home Inspection with Buyers

69 Negotiate Inspection Objections

70. Get All Agreed Upon Repair Items in Writing

71 Verify any Existing Lease Agreements

72. Check In With Lender To Verify Loan Status

73 Check on the Appraisal Date

74. Negotiate Any Unsatisfactory Appraisals

75. Coordinate Closing Times & Location

76. Make Sure All Documents Are Fully Signed

77. Verify Title Company Has Everything Needed

78. Remind Buyers to Schedule Utilities

79. Make Sure All Parties Are Notified of Closing Time

80. Solve Any Title Problems Before Closing

81. Receive and Review Closing Documents

82. Review Closing Figures With Buyers

83. Confirm Repairs Have Been Made By Sellers

84. Perform Final Walk-Through with Buyers

85. Resolve Any Last Minute Issues

86 Get CDA Signed By Brokerage

87. Attend Closing with Buyers

88. Provide Home Warranty Paperwork

89 Give Keys and Accessories to Buyers

90. Close Out Buyer’s File Brokerage

“Real estate cannot be lost or stolen, nor can it be carried away Purchased with common sense, paid for in full, and managed with reasonable care, it is about the safest investment in the world.”

TESTIMONIAL

Michelle is amazing. She has found 2 beautiful homes for us, and also sold our home. Her knowledge of the area and the business is outstanding, and we could not have asked for a better experience with her. She is so attentive to each situation and genuinely cares for her clients. We loved working with her and would highly recommend.

Michelle has been so amzaing.She found us an amazing first home for newlyweds to begin our life together. We are so thankful for her and her knowledge and professionalism.

TESTIMONIAL

“I would give Michelle 10 stars if I could. She handled every aspect of the sale of my home with compassion and professionalism. I’m very thankful for her.”

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